BEYOND NEXT OF KIN

Chief Baga was driving through Third Mainland Bridge when his cousin called with the news: Uncle Tunde had passed away. He left no will nor clear instructions as to how his assets will be distributed. Now, his three wives and seven children are fighting over his Lekki property in court.

"But his oldest son is his next-of-kin na," his cousin lamented. "He should inherit everything!"

Chief Baga hung up and sat in traffic, thinking. He had more assets than Uncle Tunde—two properties in choice areas, his business, investments. If something happened to him tomorrow, would his own children end up in court?

That evening, he called his lawyer.

"Next of kin is just your closest relative, someone to be called upon in case of any emergency" his lawyer explained. "But it doesn't mean they automatically inherit anything. A beneficiary is someone you specifically name to receive your assets. You choose them."

Chief Baga learned he could:

• Name his children as beneficiaries in a living trust—protecting them from legal battles
• Set up an education trust for his youngest daughter's university fees
• Even leave part of his estate to the children's hospital that saved his son's life

The power was in his hands, not in family hierarchy or assumptions.

Within weeks, Chief Baga had a clear plan. His assets were protected in trusts. His wishes were documented. No confusion. No quarrels. Just certainty.

When he drove past Uncle Tunde's Lekki property months later—still locked up in court disputes—he smiled. His own children would never face that.

Your legacy deserves clarity. Our private trust services—living trusts, education trusts, Wills, and endowments—help you protect what matters most and decide exactly who benefits from your life's work.

Let's talk about your plan. Because the best time to secure your family's future is now.

Don’t assume your next of kin will automatically inherit your assets.
At FCMB Trustees, we help you create Living Trusts, Education Trusts, and Wills that clearly define your wishes — ensuring your loved ones are protected and your legacy lives on.

Start your plan today. Because clarity now means peace later.

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